There's no limit on how many ISAs you can hold — the cap is on contributions: £20,000 across all your ISAs in the 2026/27 tax year. Since April 2024, you can pay into more than one ISA of the same type in a tax year. One exception: you can only pay into a single Lifetime ISA. ISA and tax rules apply.

It comes down to how quickly you can reach your money. Easy access lets you withdraw whenever you like. A notice account, like the 95 Day Notice Account, needs advance notice of 95 days before you can withdraw. A 1 Year Fixed Rate locks your money away for the full term, with no withdrawals until it ends.

Yes. A Cash ISA and a Simple Saver are separate products, so you can hold and pay into both. Your Cash ISA payments count towards your £20,000 annual ISA allowance; your Simple Saver sits outside it. The Simple Saver allows one withdrawal per calendar month. ISA and tax rules apply.

Yes. Moneybox does not hold your money itself – it uses a panel of third party banks, and the banks Moneybox partners with are covered by the Financial Services Compensation Scheme (FSCS). You are covered up to £120,000 per person, per bank, for your total eligible deposits with a particular bank, whether deposited through Moneybox, other providers, or directly with the bank. Find out which banks hold your money: FSCS protection and the banks we use.